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    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre   Name of the Claimant ? JC INTERNATIONAL AQUISITION   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 22 May 2024   Particulars of Claim   What is the claim for – the reason they have issued the claim? The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. Debt was assigned to the claimant with notice given to the def. Despite formal demand the def has failed to pay the debt and the claimant claims £300  and further claims interest pursuant to s69 of the CCA 1984.   What is the total value of the claim? £385   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier    Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably    Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Changed supplier   What was the date of your last payment? Never    Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • Their FAQs state - Cancellations and modifications If your booking has been cancelled, Booking.com refunds you immediately. The processing time may take 7 to 10 days and depends on your bank. If you have questions, contact your bank directly. I'm a regular Booking.com and AirBnB user.  The former have never cancelled.  The latter have and my money was refunded immediately (not that that helps you as we're not talking about AirBnB!) Best to check with your bank and see (a) if you did pay in advance and (b) if it has been refunded. Also, have you received a message from Booking.com officially stating the cancellation?
    • I'm not up to date with the Legal Aid rules but I'm not sure that many people qualify. HB
    • You question timescales a bit in thread - From my experience, defaulting everything and ignoring all non PAP letters, while making no payments: - 18 months to LOC - further 18 months to be at court Most are still silent 3 years in though!. If making token payments, court, if ever would be 4-5-6 years from now - Hope that helps. My debt is similar, I started it 2021 and wouldn't believe I'm already over half way through default period. You need to make the decisions but follow advice already given in this thread, and you will be fine. Best time to plant a tree was yesterday, second best time is today. Good luck BT  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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trouble with barclays help im new n ***WON!***


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Muggles, I have so much debt it is scary, was not good with credit cards, but i am slowly paying them off, and have cut them all up, so its going down.

I thought about being sensible, but i have had a rather traumatic couple of years, (my mum passed away very suddenly and unexpectedly last August. So it kind of made me realise, live for the moment as you dont know what is round the corner..... Oh my god that was a depressing moent, Ok back into me mode,

Have a holiday you have the rest of your life to be sensible, this is money you didnt know you were going to get so have some fun a well earned rest.

Holiday time i think Lots of drink sunbathing, relaxing by the pool

those are my orders!!!!! LOL only joking, whatever you decide, but whatevery you do enjoy it.

 

I too have three sets of my court bundle, good idea about ebay could be worth millions LOL

:p

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i am no longer scared of taking the big bullying banks all the way to court

 

GO MUGGLES!!!!!!!!

 

Just as a bit of fun........read what you said here..... then have another read of your first few posts......LOL......Is this the same person???

 

Of course it is, I tell everyone I come across who post that they are scared that they will turn like you have..... fair play, ....the game is almost over.....

get prepared for that huge grinning stage..

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Morning Muggles

Ive won my claim

 

Got my full offer from Barclays last night including charges to date.

ive emailed my acceptance back and now just waiting for the funds to appear in my bank later today.

 

Off to the travel agents now

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so thats 2 down n 1 to go, come on krysta! i gave her a call this morning she said she was sorting my claim out today and would be giving me a call this afternoon. I recieved my letter from court today, just confirming what i already knew, giving me and barclays 21 days to respond, hope krysta dont wait that long....., hey dar£n thanx mate i couldnt have done it without you n your friendly shoulder.... i cant believe i am the same person who started this thread it is very impowering all this i know i havnt got my money yet but its so close i can almost smell it...

my advice to anyone out there thinking of doing this is, what have you got to lose, its already been taken TAKE EM ON N GET IT BACK !!!! i am not the brightest bulb in the box if i can do it anyone can.....

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its now 4 o clock whats the vote on this one should i give her another call now, what time does her office close? do i wait yet again ? what time did they get in touch with you pkea your post says last night

AAAAARRRRRGH, I HAVE NO PATENCE LEFTI COME ON GIVE ME THE MONEY........

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Muggles i spoke to Kate on Monday and got my letter yesterday when i got home.

 

I know exactly how you feel though, i was like that yesterday.

i was checking my email and fax continously.

 

Try sending an email

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ooooooooooooooooooooooooooohhhhhhh, i am so impatient i called krysta, she said she had my charges back from accounts and it was less than i was asking for.............

i asked if she had added the 8% for going to the court stage......she said oh no sorry i will just add that

still short of what i had asked for.......

have you added both lots of court costs........she said no sorry i will just add that.....

then offered me my amount

yiiiippppeee success

asked if it could be emailed printed signed and returned, she said that was fine

now frantically checking my email......

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Excellent!!

 

Please complete the bank survey……….and maybe a donation.

 

See here for advice after settlement:

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

 

Please PM a Mod with details of your settlement for the Litigation Concluded forum

 

Congratulations. Enjoy the dosh!!!

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well done muggles, congratulations, just got to wait for the money now,

 

so its a race for the money, i faxed my acceptance back at 1pm today, i still have no money, this is a nightmare, worse stage i think

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just checked my online banking............yeeeesssss !!!!!!!

the money is in my account

HAPPY BANK HOLIDAY:D :D :D :D

I cant believe it.. to all you worried people half way through read my thread. There were times i wondered why i was putting myself through all the worry n sleepless nights, times i thought of chucking in the towel times i never thought i would be sat doin n saying what i am now,

IT IS POSSIBLE...YOU CAN AND SHOULD DO IT....

follow all the advice on here unwaveringly... there is no such thing as a stupid question, KEEP GOING....

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where are you cat and paul, have you got your money today as well, let me know..

big thanx to everyone on here you all need a knighthood, big thanx to donna n karen too for having belief in me when i had none in myself.

donation will be made once i have calmed down

KEEP THIS SITE ALIVE N KICKING BIG BUSINESS BUTT !!!!!!:D

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YEAH GO MUGGLES GO MUGGLES

CONGRATULATIONS (S0rry i was watching the cricket)

WELL DONE YOU, I got my money yesterday at 5pm, so I beat you,yeah!!

It is such a relief isnt it too see the money in your account, right up until that moment I still thought something was going to go wrong, and maybe someone would say NO lets not settle with her.

 

The stress is over, now it is the fun part spending the money"

Happy spending,

I am going shopping with my daughter and foster daughter today so I am sure they will help me spend some of mine

CONGRATULATIONS AGAIN MUGGLES, you deserve every penny.

Caz:p

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Well Done, Weve been waiting for you, thought you'd got lost

 

Got my money on wednesday and most has gone now,

 

I'm on to Halifax now, but i'm still bobbing about in the Barclays Forum to help others and have a chat.

 

Paul

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Hi Muggles,

My first post ever..............

Your tale was so inspiring just wanted to say well done enjoy the money.Im taking on barclays and have a court date at my local court for 20th July.Your story has inspired me to contact Barclays now,and ask them if they want to pay up now.

Have a fab holiday

Take Care :D :D :D :D

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Can i just say iv seen Muggles this afternoon and she has a grin from ear to ear.:D

Im so pleased this is all over for her, it has been one hell of a rollercoster ride for her, but one worth doing.

Good luck to everyone else.

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  • 2 weeks later...

just one more quick question b4 i move over into claims won.....

i have heard that there is a letter to send back to the bank to enable you to carry on claiming somthing about thankyou for settlement of this claim, has any one got the template please?

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